Penalty under the purchase agreement
Check the penalty clause, notice of default and options in the event of a dispute.
Read moreOwner-occupied home
First assess your position, evidence and deadline
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Purchase agreement, defects, financing and joint ownership. Choose your situation for a practical step-by-step plan.
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Hidden defects after purchase
Discovered a defect after the transfer of the property? Check the deed of sale, report the problem and document the condition before having repairs carried out.
Read moreCooling-off period when buying a home
Read when the cooling-off period starts and how to work out the deadline for withdrawing from the purchase.
Read moreUsing a financing contingency correctly
Unable to arrange the mortgage? Check the financing contingency: end date, required rejections and how you must notify termination.
Read moreTerminate a purchase agreement for a home
Do you want to withdraw from a home purchase? Distinguish between the statutory cooling-off period, an agreed condition for termination and a breach by the other party.
Read moreBuying out an ex-partner from the owner-occupied home
Buying out an ex-partner involves more than the value of the home and the mortgage. Check ownership, your agreements with each other and the bank’s consent.
Read moreSelling a jointly owned home in the event of disagreement
Disagree about selling your jointly owned home? Record proposals about the price, estate agent, costs and division, and explore help if you reach an impasse.
Read moreDefects after renovation by a contractor
Has your contractor delivered defective work? Compare the result with the assignment, report specific defects and give an appropriate opportunity to remedy them.
Read moreError in a structural inspection
Did a structural inspection miss a problem? Check the assignment, accessible components and warnings before holding the inspector liable.
Read moreBuying a home: from first budget to completion
Where are you in the buying process? Start with the next decision and the records it needs. Find a route for budgeting, checks, purchase terms and problems around completion.
Choose your buying stage
Note whether you are exploring, about to offer, already signed or waiting for completion. Put the next deadline at the top. If a cancellation deadline is near, reviewing your contract takes priority over general orientation. The official Rijksoverheid questionnaire helps identify what remains to arrange.
Separate capacity, monthly costs and own funds
Use mortgage preparation for income, debts and an indication of borrowing capacity. Compare gross payments using your own amount, rate and term, keeping tax separate. Also prepare buyer’s costs and a reserve. These are different questions; a low monthly payment is not a loan commitment.
Investigate the property before offering
Obtain records on condition, use and ownership. Investigate uncertain building condition. For an apartment check division documents, rules, owners’ association charges and maintenance; for ground lease check the ground rent and terms. Alterations and holiday homes require their own use and permit checks.
Record conditions and deadlines
Discuss finance, survey and other necessary conditions before becoming bound. After receiving the signed contract, distinguish the cooling-off period from agreed cancellation conditions. Record deadline, evidence and notification method. A bank refusal does not itself cancel your purchase; follow the contractual route in time.
Confirm financing and ownership arrangements
Compare quotations and obtain the financing assessment before deadlines expire. With two properties include sale status, bridging and overlapping costs in your plan. When buying jointly, record own contributions, ownership and shared payments. Discuss separation and death arrangements with the notary too.
Check completion and follow-up
Check draft deeds, completion account, payment and condition at the final inspection. Ownership transfers through the notary and registration at Kadaster. Keep records and photographs. For a defect or dispute choose the relevant existing guide and record facts and notifications; use our help request for your specific question.
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Should I first know maximum borrowing or the monthly payment?
Both help but answer different questions. Borrowing capacity concerns what a lender might allow; a payment scenario concerns a chosen loan. Include own funds, purchase costs and other recurring expenses before setting your offer.
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